Our enhanced residential proposition is designed for clients with historical blips on their credit rating. And it's just got better, with three simple tiers as well as options for first time buyers.

Want to discuss a case? Call 0344 770 8032

Quick Overview

Rates from 2.24%
Up to 85% LTV
Historical blips on credit rating
Interest only options
No minimum income
Loans up to £750k
Max age 75 (end of term)
First Time Buyer Options
£50k Minimum loan
For self employed or employed
Gifted deposits accepted
Minimum age 18

The Products

Residential F1

For clients with no adverse credit in the last 36 months
No IVAs or bankruptcies
Rates from 2.24%
Up to 85% LTV

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Residential F2

No major adverse credit within the last 24 months
Minor blips accepted (nothing in the last 6 months)
No IVAs or bankruptcies
Rates from 2.49%
Up to 85% LTV

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Residential F3

CCJs / Defaults / Mortgage arrears considered within the last 24 months
Other blips accepted (nothing in the last 6 months)
Bankruptcies and IVAs considered
Rates from 2.84%
Up to 80% LTV

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Residential FTB

No major adverse credit within the last 24 months
Minor blips accepted (nothing in the last 6 months)
No IVAs or bankruptcies
80% and 85% LTV options available

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XS

SM

MD

LG